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Highlights of Scapia Federal Bank Credit Card

Joining FeeNil
Annual FeeNil
Mainly Suitable forTravel and Shopping
Reward 20% Scapia Coins on Travel Bookings & 10% Scapia Coins on All Other Transactions 
Forex FeeNil

Why Choose Scapia Credit Card?

Scapia Credit Card is a co-branded credit card launched by Federal Bank in partnership with Scapia Technology Pvt. Ltd. It is specifically designed for frequent travelers, offering a host of benefits and rewards to make your travel experiences more enjoyable and rewarding.

  • Lifetime Free Card: Unlike other travel credit cards that come with annual fees, Scapia Credit Card is a lifetime free card, making it a cost-effective option for travelers.
  • Earn Scapia Coins: Earn 10% Scapia coins on all your online and offline spends and 20% Scapia coins on travel bookings made through the Scapia app. These coins can be redeemed for a variety of travel and lifestyle rewards.
  • Unlimited Domestic Lounge Access: Enjoy unlimited access to domestic airport lounges across India on a minimum spend of Rs. 5,000 per month. This makes your travel experience more comfortable and relaxing.
  • Zero Forex Markup Fee: Enjoy zero foreign exchange markup fees when you use your Scapia Credit Card for international transactions. This saves you money on your travel expenses.
  • Comprehensive Travel Insurance: Get comprehensive travel insurance coverage for yourself and your family with the Scapia Credit Card. This provides peace of mind during your travels.
  • Easy Application Process: Apply for the Scapia Credit Card online through the Scapia app or Federal Bank website. The process is quick and hassle-free.

Features & Benefits of Scapia Credit Card

If you are a frequent traveler, the Scapia Credit Card is a great option to consider. It offers a comprehensive range of benefits and rewards that can make your travel experiences more enjoyable and rewarding. With its lifetime free fee, lucrative cashback and coin earning opportunities, and comprehensive travel insurance coverage, the Scapia Credit Card is a smart choice for any traveler who wants to make the most of their travel experiences.

  • 2% cashback on all your spends
  • 4% cashback on all your travel spends
  • 20% Scapia coins on travel bookings made through the Scapia app
  • 10% Scapia coins on all your online and offline spends
  • Unlimited domestic lounge access on a minimum spend of Rs. 5,000 per month
  • Zero forex markup fee
  • Comprehensive travel insurance coverage
  • Fuel surcharge waiver up to Rs. 250 per month
  • Complimentary airport lounge access for add-on cardholders
  • Priority Pass membership
  • Exclusive discounts and offers on travel and lifestyle products

Fees & Charges of Scapia Credit Card

Interest Rate3.49% per month
Interest Rate on Cash Withdrawals3.49% per month from date of withdrawal (No Interest Free period for Cash)
Interest Rate for EMI Transactions16% (applicable for 3, 6, 9 and 12 months tenure)
Card Replacement FeesRs 200
Cash Advance Fees2.5% of amount withdrawn or Rs. 500 whichever is higher
Late Payment Charges

Outstanding Balance 

Upto Rs.100 - Nil 

Between Rs.101‑ Rs. 500 – Rs.100 

Between Rs. 501-Rs.1,000 – Rs.500 BetweenRs.1001-Rs.10,000– Rs.600 Between Rs.10,001-Rs.25,000 - Rs.750 Between Rs.25,001-Rs.50,000 - Rs.950 Above Rs.50,000 - Rs.1000

Scapia Credit Card Eligibility

The Scapia card eligibility criteria is pretty much standard as any other card apart from one particular thing. If you are already using any of Federal Bank’s co-branded cards then you will not be eligible for this card.

To get this Federal bank credit card, an applicant must be:

  • Indian resident
  • Age between 21 and 60 years
  • Minimum annual income of Rs. 5 lakhs
  • Does not have any Federal bank co-branded card from before.

Earning Rewards with Scapia Card

The Scapia Federal Bank Credit Card offers a diverse rewards structure to suit various spending habits. Whether you're traveling, shopping, or managing routine expenses, this card turns every transaction into an opportunity to earn rewards. Here's an overview of the rewards you can accumulate:

Type of SpendScapia CoinsReward Rate
All Spends10%2%
Travel Spends on Scapia App20%4%
Forex SpendsZero0%
Fuel Surcharge Waiver TransactionsZero0%
Wallets, EMIs, Rent, Education, and Gift CardsZero0%
  • All Spends: Every general purchase earns you 2% back in rewards, with Scapia Coins accumulating at 10% of the transaction value.
  • Travel Rewards: Book your travel through the Scapia app and enjoy a lucrative 4% reward rate, with 20% back in Scapia Coins.
  • Selective Spend Categories: While Forex spends, fuel surcharge waiver transactions, and payments towards wallets, EMIs, rent, education, and gift cards don't earn rewards or Scapia Coins, they still provide the convenience of secure cashless transactions.

With the Scapia Federal Bank Credit Card, enhance your spending experience by earning rewards that cater to your lifestyle. Make every transaction count and enjoy the benefits of being a Scapia cardholder.

Rewards Redemption with Scapia Credit Card - Decoded

Think of Scapia Coins as your travel currency that you earn every time you swipe your Scapia credit card. It's like getting a little bonus for every purchase you make. When you're ready to explore new places, these coins become super handy.

Here's how it works:

In the Scapia app, you can use these coins to book your travel adventures. The conversion is pretty simple - 5 Scapia Coins equal 1 rupee. So, the more you shop with your card, the more coins you accumulate for your travels.

The best part? There's no limit on how many coins you can use for a booking. If you've saved enough, you can even pay for your entire trip with Scapia Coins!

Just a heads-up, these coins are exclusively for travel bookings on the Scapia app. They aren't for other types of spending.

And one more thing to remember - to keep your Scapia Coins from expiring, just make sure to use your credit card at least once a year. This way, you won't lose any coins and can keep saving for those dream trips.

Customer Support for Scapia Credit Card

You can contact customer service executives on 8048675100 alternatively you can also chat with them on the Scapia App.

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Scapia Credit Card FAQs

Is the Scapia Credit Card a lifetime free card?

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Yes, the Scapia Credit Card is a lifetime free card.

How do I earn Scapia coins?

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You can earn Scapia coins on all your online and offline spends and travel bookings made through the Scapia app.

How do I redeem Scapia coins?

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You can redeem Scapia coins for a variety of travel and lifestyle rewards on the Scapia app.

What is the minimum spend required for unlimited domestic lounge access?

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You need to have a minimum spend of Rs. 5,000 per month to enjoy unlimited domestic lounge access.

Does the Scapia Credit Card have a foreign exchange markup fee?

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No, the Scapia Credit Card does not have a foreign exchange markup fee.

What is the Scapia Federal Bank Credit Card?

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The Scapia Federal Bank Credit Card is a co-branded travel card launched by Federal Bank and Scapia Technology Pvt. Ltd., ideal for frequent travelers. It offers lucrative rewards on travel bookings and general spends.

What are the benefits of using the Scapia Credit Card for travel bookings?

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Users earn 20% Scapia Coins on travel bookings made through the Scapia app and 4% cashback.

What rewards are offered on general purchases with the Scapia Credit Card?

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Cardholders receive 10% Scapia Coins and 2% cashback on all general purchases.